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WVFC (WVS Financial) Cyclically Adjusted PB Ratio : 0.46 (As of May. 13, 2025)


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What is WVS Financial Cyclically Adjusted PB Ratio?

As of today (2025-05-13), WVS Financial's current share price is $12.3012. WVS Financial's Cyclically Adjusted Book per Share for the quarter that ended in Sep. 2024 was $26.51. WVS Financial's Cyclically Adjusted PB Ratio for today is 0.46.

The historical rank and industry rank for WVS Financial's Cyclically Adjusted PB Ratio or its related term are showing as below:

WVFC' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.46   Med: 0.7   Max: 0.93
Current: 0.46

During the past years, WVS Financial's highest Cyclically Adjusted PB Ratio was 0.93. The lowest was 0.46. And the median was 0.70.

WVFC's Cyclically Adjusted PB Ratio is ranked better than
86.17% of 1273 companies
in the Banks industry
Industry Median: 1.01 vs WVFC: 0.46

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

WVS Financial's adjusted book value per share data for the three months ended in Sep. 2024 was $26.464. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $26.51 for the trailing ten years ended in Sep. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


WVS Financial Cyclically Adjusted PB Ratio Historical Data

The historical data trend for WVS Financial's Cyclically Adjusted PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

WVS Financial Cyclically Adjusted PB Ratio Chart

WVS Financial Annual Data
Trend Jun15 Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.65 0.74 0.61 0.49 0.46

WVS Financial Quarterly Data
Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - 0.50 0.48 0.46 0.48

Competitive Comparison of WVS Financial's Cyclically Adjusted PB Ratio

For the Banks - Regional subindustry, WVS Financial's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


WVS Financial's Cyclically Adjusted PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, WVS Financial's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where WVS Financial's Cyclically Adjusted PB Ratio falls into.


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WVS Financial Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

WVS Financial's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=12.3012/26.51
=0.46

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

WVS Financial's Cyclically Adjusted Book per Share for the quarter that ended in Sep. 2024 is calculated as:

For example, WVS Financial's adjusted Book Value per Share data for the three months ended in Sep. 2024 was:

Adj_Book=Book Value per Share/CPI of Sep. 2024 (Change)*Current CPI (Sep. 2024)
=26.464/133.0289*133.0289
=26.464

Current CPI (Sep. 2024) = 133.0289.

WVS Financial Quarterly Data

Book Value per Share CPI Adj_Book
201409 18.582 100.428 24.614
201412 18.613 99.070 24.993
201503 18.760 99.621 25.051
201506 19.361 100.684 25.581
201509 19.535 100.392 25.886
201512 19.546 99.792 26.056
201603 19.808 100.470 26.227
201606 19.800 101.688 25.902
201609 20.129 101.861 26.288
201612 20.320 101.863 26.537
201703 20.545 102.862 26.570
201706 19.810 103.349 25.499
201709 20.111 104.136 25.691
201712 20.303 104.011 25.967
201803 20.486 105.290 25.883
201806 20.780 106.317 26.001
201809 21.226 106.507 26.512
201812 20.712 105.998 25.994
201903 21.896 107.251 27.159
201906 22.170 108.070 27.290
201909 22.630 108.329 27.790
201912 23.170 108.420 28.429
202003 20.145 108.902 24.608
202006 23.114 108.767 28.270
202009 23.816 109.815 28.851
202012 24.122 109.897 29.199
202103 24.172 111.754 28.774
202106 24.099 114.631 27.967
202109 24.119 115.734 27.723
202112 23.994 117.630 27.135
202203 23.641 121.301 25.927
202206 23.413 125.017 24.913
202212 0.000 125.222 0.000
202303 0.000 127.348 0.000
202306 25.206 128.729 26.048
202309 0.000 129.860 0.000
202312 25.536 129.419 26.248
202403 26.361 131.776 26.612
202406 26.236 132.554 26.330
202409 26.464 133.029 26.464

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


WVS Financial  (OTCPK:WVFC) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


WVS Financial Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of WVS Financial's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


WVS Financial Business Description

Traded in Other Exchanges
N/A
Address
9001 Perry Highway, Pittsburgh, PA, USA, 15237
WVS Financial Corp chartered unitary bank holding company. It provides various banking products and services to residents and businesses. The principal categories of loans in the portfolio are single-family and multi-family residential real estate loans, commercial real estate loans, construction loans, consumer loans, and commercial loans. The company offers various deposit products, including regular savings accounts, demand accounts, negotiable order of withdrawal accounts, money market deposit accounts, and certificates of deposit as well as individual retirement account certificates.
Executives
Twomey Edward F Iii director 10081 OAKRIDGE DRIVE, WEXFORD PA 15090
Howard John A Jr director
Mary Magestro-johnston officer: VP,Treas,Chief Acctg Officer 9001 PERRY HIGHWAY, PITTSBURGH PA 15237
Lawrence M Lehman director WVS FINANCIAL CORP, 9001 PERRY HIGHWAY, PITTSBURGH PA 15237
Linda K Butia officer: VP, Treas, Chief Acctg Officer 2413 BELLWOOD DRIVE, PITTSBURGH PA 15237
Margaret Vonderau director WVS FINANCIAL CORP, 9001 PERRY HIGHWAY, PITTSBURGH PA 15237
Bernard P Lefke officer: VP Savings 9001 PERRY HIGHWAY, PITTSBURGH PA 15237
Keith A Simpson officer: V.P., Treasurer & CAO WVS FINANCIAL CORP, 9001 PERRY HIGHWAY, PITTSBURGH PA 15237
Joseph W Unger director 3467 BABCOCK BOULEVARD, PITTSBURGH PA 15237
Michael R Rutan officer: SR. VP - OPERATIONS 9356 ALMAR PLACE, PITTSBURGH PA 15237
Donald E Hook director WVS FINANCIAL CORP, 9001 PERRY HIGHWAY, PITTSBURGH PA 15237
John W Grace director 9001 PERRY HIGHWAY, PITTSBURGH PA 15237
Arthur H Brandt director WVS FINANCIAL CORP, 9001 PERRY HIGHWAY, PITTSBURGH PA 15237
David L Aeberli director WVS FINANCIAL CORP, 9001 PERRY HIGHWAY, PITTSBURGH PA 15237
David J Bursic director, officer: President/CEO/Director C/O WVS FINANCIAL CORP, 9001 PERRY HIGHWAY, PITTSBURGH PA 15237

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